Dinda Purnama
Pendidikan Ekonomi, FKIP, Universitas Lampung

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PENGARUH LITERASI KEUANGAN TERHADAP PERILAKU KONSUMTIF MAHASISWA PENDIDIKAN EKONOMI ANGKATAN 2022 UNIVERSITAS LAMPUNG Dinda Purnama; Rafifa Tu Zakia; Ridho Amanda Saputra; Rahmawati; Suroto; Ine Zulfika Restu
Didaktik : Jurnal Ilmiah PGSD STKIP Subang Vol. 11 No. 03 (2025): Volume 11 No. 03 September 2025 In Order
Publisher : STKIP Subang

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.36989/didaktik.v11i03.7496

Abstract

ABSTRACT There are students who have not implemented the desire to shop for goods according to their needs, and there are students who have not been able to manage their finances wisely. This study aims to determine the extent to which financial literacy influences the consumptive behavior of students in the Economics Education Study Program at the University of Lampung, class of 2022. This research is a quantitative study using a descriptive-verificative method with an ex post facto and survey approach. Data were collected through observation, interviews, and questionnaires. The total population consisted of 104 students, with a sample of 83 respondents determined using the Slovin formula. The sampling technique used was probability sampling with simple random sampling. Data analysis included instrument requirement tests consisting of validity and reliability tests, data analysis tests (normality and homogeneity), classical assumption tests (linearity, multicollinearity, autocorrelation, and heteroscedasticity), as well as simple linear regression analysis.The results of the simple linear regression analysis revealed that financial literacy has a significant positive influence on consumptive behavior (t = 2.428; sig = .003), with a coefficient β = 0.359, meaning that every 35.9% increase in financial literacy will reduce consumptive behavior by 35.9%. The coefficient of determination (R Square) was 0.304, indicating that the financial literacy variable has a partial influence on consumptive behavior by 30.4%, while the remaining 69.6% is influenced by other variables not examined in this study. This research recommends the importance of strengthening financial literacy as a means to control students’ consumptive behavior.